Personal loans to real people

Invest for 3 to 5 years

Earn 5.0% p.a. on 3-year loans, or 6.5% p.a. on 5-year loans. Take loan repayments as income, or reinvest automatically for maximum returns.

Start from just £10.00

On average, our individual members invest £3,500 when they join, but you can start from just £10.00. You’ll always get our best 3- or 5-year interest rate.

Meet the borrowers

Average income

£34,134

Homeowners

59%

Typical age

25-49

Interest rates are annualised, assuming loan repayments are reinvested at the same rate, and any bad debt is covered by the Lending Works Shield. You are responsible for paying any tax due on your interest.

After researching, Lending Works offered the best balance of competitive returns and credible protection to me.

Wesley Investor since 2014

How we reduce risks

Peer-to-peer lending is an investment. That means your capital is at risk and returns aren’t guaranteed. And remember, the Financial Services Compensation Scheme (FSCS) doesn’t cover poor investment performance, just like with bonds or shares.

That said, we reduce the risk wherever possible. Here’s how.

Market-leading protection

The Lending Works Shield combines a reserve fund that covers every consumer-funded loan, with unique insurance against the primary causes of borrower default.

It's not a guarantee against loss, but we believe it's the strongest protection of any unsecured peer-to-peer lending platform. Learn more

Automatically diversified

Your investment is automatically split across many loans. It's inherently diverse, and much less volatile than stocks and shares.